Page 30 - Personal Finance

How to apply for PAN card reprint with QR code: Steps-by-step guide

People have the option to request a reprint of their card through authorised service providers NSDL or UTI Infrastructure and Technology Services Ltd

Align investment horizon with portfolio duration for short-term debt funds

While all investors should have some allocation to shorter-duration debt funds for portfolio stability, the exact proportion should depend on their risk appetite

Why only paying the minimum due on credit card may not be a wise move?

The minimum amount due on credit cards represents a small portion of the total outstanding bill, typically ranging between 5 to 10 per cent

Missed ITR deadline or made an error? File a revised return by Dec 31, 2024

If you have missed the original due date of ITR filing, a belated ITR can be filed. You can also file revised ITR if you have made a mistake in the originally filed ITR

Health insurance benefits: Taxpayers' guide to getting income tax rebates

Individuals can claim a tax rebate for health insurance premiums under Section 80D of the Income Tax Act

Reducing home loan: Switch to lower-cost loan if credit profile improves

Until repo rate cuts begin, borrowers can explore other options to lower their home loan burden

Pace of price growth for housing properties expected to moderate next year

Potential homebuyers must ensure they don't overstretch themselves financially

Go with regulated entity: Listed bonds subject to ratings, oversight

Unlisted securities, issued by smaller companies, often promise high interest rates of 15-18 per cent to attract investors

Corporate vs government bonds. Which one to choose for better investment?

In 2024, 33 bonds defaulted- 28 were corporate bonds, 4 public-private bonds, and only 1 was a government bond

Quant Funds: Algo-driven approach reduces human bias, risk of style drift

Quant funds adopt a systematic, rules-based approach to stock selection and portfolio management. They don't rely on fund managers to make investment decisions

How to check your GST refund status and know common reasons for delays

If your claim is in order, refund amount will be processed and credited directly to your bank account

No repo rate cut: Lock in fixed deposits now to maximise returns

For those holding fixed deposits, this is an ideal time to lock in high interest rates, as rates may decline in the coming months

Year-end portfolio review, Vatsalya scheme: Top personal finance stories

This week report about how to check and balance your financial investments and how a government scheme for children's retirement scheme works

What is a chargeback in credit and debit cards and how does it work?

Process involves a consumer's bank investigating disputes with merchants in recovering funds

Your child needs PAN card for various purposes: Here is how to get one

A PAN card is often a requirement for eligibility in various scholarship programmes and government schemes

Consumption funds: Strong returns await investors who can endure slowdowns

Over the past year, consumption funds yielded returns of 28.6 per cent, lower than PSU (46.4 per cent), pharma (42 per cent), infrastructure (39.1 per cent), and technology (37.8 per cent)

Is NPS Vatsalya retirement scheme for your child too far-fetched an idea?

While the scheme allows you to plan for your child's retirement well after you may be gone, you should focus first on your retirement and kids' education

Philippines launches e-Visa for Indians, enabling faster travel processing

The rollout of the e-visa system has been in development since 2019

Health claims rise: Combine base policy, super top-up for high coverage

To combat rising health insurance expenses, an adequate sum insured is essential

Life certificate submission deadline missed? What pensioners must do next

Failure to submit a Life Certificate by deadline may lead to a suspension of pension payments starting December